Core Viewpoint - Hang Seng Bank reported a 3% increase in net operating income before expected credit losses for the first half of 2025, reaching HKD 20.975 billion [1] - The bank's profit before tax was HKD 8.097 billion, with earnings per share at HKD 3.34 [1] - The board declared a second interim dividend of HKD 1.3 per share, totaling HKD 2.6 per share for the first half of 2025, an 8% increase compared to the same period last year [1] - The company plans to initiate a share buyback program of up to HKD 3 billion [1]

恒生银行上半年净利润68.8亿港元，同比-30%。 普通股一级资本充足率21.3％。 净利息收入143.4亿港元，同比-7.4%。 ...

Core Viewpoint - Hang Seng Bank reported a 30% decline in profit attributable to shareholders for the first half of the year, amounting to HKD 6.88 billion [1] Financial Performance - The bank's profit attributable to shareholders decreased to HKD 6.88 billion, reflecting a significant drop compared to the previous period [1]

發行人所發行上市權證/可轉換債券的相關信息 發行人所發行上市權證/可轉換債券 不適用 其他信息 恒生銀行有限公司（「本行」）董事會今天宣佈，派發截至2025年12月31日止年度之第二次中期股息每股港幣1.30元。是期股息 將於2025年9月4日（星期四）派發予於2025年8月14日（星期四）名列本行股東名冊內之股東。 EF001 免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | | | --- | --- | | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | | 股票發行人現金股息公告 | | | 發行人名稱 | 恒生銀行有限公司 | | 股份代號 | 00011 | | 多櫃檯股份代號及貨幣 | 80011 RMB | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 2025年度第二次中期股息 | | 公告日期 | 2025年7月30日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 第二季度 | | 股息性質 | 普通股息 | | 財政 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明， 並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 股份代號: 11（港幣櫃台）及 80011（⼈⺠幣櫃台） 2025 年中期業績 恒生銀行今日宣佈 2025 年上半年的財務業績。儘管宏觀經濟環境充滿挑戰，本行在拓展多元化業 務方面仍取得顯著進展。 在財富管理及投資服務強勁增⻑的驅動下，服務費和其他收入按年上升 34%，佔總收入 31.6%。 本行多元化發展收益的策略發展重點，令扣除預期信貸損失前之營業收入淨額增⻑ 3%，至 港幣 209.75 億元。 由於市場的不確定性持續，貿易關稅的威脅、持續利率高企以及商業房地產市場⻑期低迷，本行 審慎增加撥備，預期信貸損失錄得港幣 48.61 億元。於 2025 年 6 月 30 日，總減值貸款為 港幣 550 億元。 期內除稅前溢利為港幣 80.97 億元（2024 年上半年為港幣 113.07 億元）。每股盈利為港幣 3.34 元， 而平均普通股股東權益回報率為 7.9%。本行維持穩健資本基礎，於 2025 年 ...

Summary of Key Points Core Viewpoint - The report highlights the top short-selling stocks in the market, indicating significant short-selling activity and potential investor sentiment towards these companies. Group 1: Top Short-Selling Ratios - JD Health (86618) has the highest short-selling ratio at 100.00% [1][2] - Hang Seng Bank (80011) follows with a short-selling ratio of 88.44% [1][2] - SenseTime (80020) has a short-selling ratio of 76.25% [1][2] Group 2: Top Short-Selling Amounts - Xiaomi Group (01810) leads in short-selling amount with 2.209 billion [1][2] - Tencent Holdings (00700) has a short-selling amount of 0.955 billion [1][2] - WuXi AppTec (02359) reports a short-selling amount of 0.698 billion [1][2] Group 3: Top Short-Selling Deviations - Hang Seng Bank (80011) has the highest deviation value at 48.82% [1][2] - JD Health (86618) follows with a deviation value of 45.78% [1][2] - Uni-President China (00220) has a deviation value of 33.70% [1][2]

Market Overview - The Hang Seng Index closed at 25,271.92, down by 252.53 points or 0.99% on July 29 [1] - The index reached a high of 25,554.41 and a low of 25,232.19 during the trading session, with a trading volume of 66.91 million [1] Major Blue-Chip Stocks Performance - HSBC Holdings closed at HKD 102.137, up by 1.33% compared to the Hong Kong market close [2] - Tencent Holdings closed at HKD 550.482, down by 0.81% compared to the Hong Kong market close [2] ADR Performance Summary - Tencent Holdings: ADR price at HKD 550.482, down by HKD 4.518 or 0.81% [3] - Alibaba Group: ADR price at HKD 117.114, down by HKD 3.586 or 2.97% [3] - HSBC Holdings: ADR price at HKD 102.137, up by HKD 1.337 or 1.33% [3] - Xiaomi Group: ADR price at HKD 54.601, down by HKD 0.699 or 1.26% [3] - Meituan: ADR price at HKD 126.886, down by HKD 1.714 or 1.33% [3] - AIA Group: ADR price at HKD 74.746, down by HKD 0.054 or 0.07% [3] - Hong Kong Exchanges: ADR price at HKD 435.801, down by HKD 4.999 or 1.13% [3] - Industrial and Commercial Bank of China: ADR price at HKD 6.024, down by HKD 0.046 or 0.75% [3] - BYD Company: ADR price at HKD 126.396, down by HKD 1.904 or 1.48% [3] - Ping An Insurance: ADR price at HKD 56.163, down by HKD 0.237 or 0.42% [3]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該 等內容而引致的任何損失承擔任何責任。 股份代號: 11（港幣櫃台）及 80011（人民幣櫃台） 董事委員會會議公告 恒生銀行有限公司 Hang Seng Bank Limited 於香港註冊成立的有限公司 註冊辦事處及總行地址：香港德輔道中 83 號 * 獨立非執行董事 恒生銀行有限公司 公司秘書及企業管治主管 張嘉琪 謹啟 2025 年 7 月 18 日 謹通告恒生銀行有限公司 (「本行」) 將於 2025 年 7 月 30 日 (星期三) 於香港德 輔道中 83 號舉行董事委員會會議， 以(其中包括)通過宣佈本行截至 2025 年 6 月 30 日止六個月之中期業績，以及考慮宣派本行 2025 年度第二次中期股息。 於本 公 告日 期 當日，本 行之 董 事 會成 員為 鄭 維新*（董 事 長），施穎茵 （ 行 政 總 裁 ） ， 鍾 郝 儀 *， 顏杰慧 #， 郭敬文 *， 林 詩 韻 *， 廖 宜 建 #， 林慧 如*， 蘇 雪冰 ...

Core Viewpoint - There are rumors regarding the establishment of a "bad bank" in Hong Kong to manage non-performing assets, but the Hong Kong Monetary Authority (HKMA) has denied any such plans, emphasizing the overall health of the banking sector and sufficient credit provisions [1][2]. Group 1: Banking Sector Health - The HKMA stated that the banking sector's balance sheets are healthy, with a credit provision coverage ratio exceeding 140% and strong profitability [1]. - As of the first quarter of this year, the total loan amount in Hong Kong's banking sector increased by 0.6% year-on-year, with loans used within Hong Kong rising by 0.8% and those used outside by 1.1% [2]. - The non-performing asset ratio in Hong Kong's banking sector only increased by 0.02% from the end of last year, reaching 1.98%, with residential mortgage non-performing loans at a mere 0.13% as of the end of May [2]. Group 2: Capital and Provisions - Hong Kong banks have ample provisions, with a credit provision coverage ratio of approximately 145% when accounting for the realizable value of collateral against non-performing loans [3]. - The total capital ratio for local banks was reported at 24.2% as of the end of March, significantly above international standards, indicating strong capital strength [3].

Core Insights - The Cross-Border Payment System has expanded to 17 banks in Hong Kong within a month of its launch, enhancing connectivity between mainland China's online payment system and Hong Kong's Fast Payment System [1][2] - The system offers advantages over traditional cross-border remittances, including instant transfers, simplified documentation, lower costs, and ease of use [1] - The initial participating banks include six from mainland China and six from Hong Kong, with an additional eleven Hong Kong banks recently added to the system [1][3] Summary by Category Participating Institutions - The first batch of participating mainland banks includes: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Merchants Bank [1][3] - The first batch of participating Hong Kong banks includes: Bank of China (Hong Kong), Bank of East Asia, China Construction Bank (Asia), Hang Seng Bank, HSBC, and ICBC (Asia) [1][3] - The second batch of newly added Hong Kong banks includes: CMB Wing Lung Bank, Shanghai Commercial Bank, CITIC Bank International, Chuangxin Bank, Dah Sing Bank, Guangfa Bank, China Everbright Bank, Nanyang Commercial Bank, ZA Bank, Airstar Bank, and MOX Bank [1][3] Digital Banking Inclusion - This expansion marks the first inclusion of digital banks in the Cross-Border Payment System, with MOX Bank, ZA Bank, and Airstar Bank being notable participants [2][3] User Experience and Limitations - Some newly added banks have not yet officially opened cross-border payment services to customers, leading to mixed experiences among users [4] - The system supports bilateral currency and RMB cross-border remittance between mainland China and Hong Kong, with specific limits on transaction amounts [4][5] Transaction Limits - For northbound transactions, the limit is set at HKD 10,000 per person per day and HKD 200,000 per year, while southbound transactions are subject to an annual foreign exchange limit of USD 50,000 [4][5]